Cash ISAs

Saving is even more rewarding when there’s no tax to pay on the interest you earn. That’s exactly what our Cash ISAs offer. Choose the perfect account for you below and start saving, tax-free§.

In the event that the balance falls below the minimum operating balance as stated within the relevant product details below, the basic savings rate of interest, which is currently 0.05% Tax-free§ p.a./AER† (variable), shall apply. These accounts are not Flexible Cash ISAs meaning any amount withdrawn cannot be replaced and will count towards your yearly ISA limit. 

 

Important information about our Limited Issue Online Access ISA account:

  • Withdrawals to your Nominated Accounts made before 8pm on a working day will be available to the payee on the next working day.
  • When money is paid into your account, provided the payment is received by us between 7am and 7pm, you will be able to withdraw the funds that day.
  • The Society’s online savings service will be unavailable each day for 1 hour between 12 midnight and 1am while our systems update.
  • Limited Issue Online Access ISA

    1.05% Tax-free§ p.a./AER† (variable)

    • Interest paid: on maturity (31 Oct 2018)
    • Minimum investment & operating balance: £1,000
    • Maximum investment: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: unlimited withdrawals to your Nominated Accounts (as defined in the Online Conditions) can be made without notice or loss of interest subject to the minimum balance of £1,000 being maintained.

    This account is limited issue. Once the account is open, you can transfer in previous ISA investments (including 2017/18 ISA funds deposited with another institution) provided these are not from an Innovative Finance ISA, or you can deposit new funds. The account may be closed for further deposits upon a minimum of 30 days' written notice.

    Full details
  • 1 Year Fixed Rate ISA (Issue 96)

    Interest Rate:

    1.11% Tax-free§ p.a./AER (fixed)

    • Interest paid: on maturity (02 September 2018).
    • Minimum investment & operating balance: £100.
    • Maximum investment: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: Withdrawals/transfers of your capital investment prior to maturity (02 September 2018) are permitted, although they will be subject to 60 days' loss of interest or an equivalent amount on the amount withdrawn/transferred.
    • Rates: fixed for a one year period.
    • Further deposits: not permitted in future tax years.

    This account is limited issue. Once the account is open, for the 2017/18 tax year you can transfer in previous ISA investments (including 2017/18 ISA funds deposited with another institution), provided these are not from an Innovative Finance ISA or deposit new 2017/18 funds up to and including 31 August 2017. After this date the account may be closed for further deposits at any time and without notice.

    Full details
  • 2 Year Fixed Rate ISA (Issue 91)

    Interest Rate:

    1.15% Tax-free§ p.a./AER (fixed)

    • Interest paid: annually on 01 September (commencing 01 September 2018) and on maturity (01 September 2019).
    • Minimum investment & operating balance: £100.
    • Maximum investment: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: withdrawals/transfers of your capital investment prior to maturity (01 September 2019) are permitted, although they will be subject to 150 days' loss of interest or an equivalent amount on the amount withdrawn/transferred.
    • Rates: fixed for a two year period.
    • Further deposits: not permitted in future tax years.

    This account is limited issue. Once the account is open, for the 2017/18 tax year you can transfer in previous ISA investments (including 2017/18 ISA funds deposited with another institution), provided these are not from an Innovative Finance ISA or deposit new 2017/18 funds up to and including 31 August 2017. After this date the account may be closed for further deposits at any time and without notice.

    Full details
  • 3 Year Fixed Rate Cash ISA (Issue 52)

    Interest rate:

    1.20% Tax-free§ p.a./AER (fixed)

    • Interest paid: annually on 01 September (commencing 01 September 2018) and on maturity (01 September 2020).
    • Minimum investment & operating balance: £100.
    • Maximum investment: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: withdrawals/transfers of your capital investment prior to maturity (01 September 2020) are permitted, although they will be subject to 240 days' loss of interest or an equivalent amount on the amount withdrawn/transferred.
    • Rates: fixed for a three year period.
    • Further deposits: not permitted in future tax years.

    This account is limited issue. Once the account is open, for the 2017/18 tax year you can transfer in previous ISA investments (including 2017/18 ISA funds deposited with another institution), provided these are not from an Innovative Finance ISA or deposit new 2017/18 funds up to and including 31 August 2017. After this date the account may be closed for further deposits at any time and without notice.

    Full details
  • 4 Year Fixed Rate ISA (Issue 8)

    Interest rate:

    1.45% Tax-free§ p.a./AER (fixed)

    • Interest paid: annually on 31 August (commencing 31 August 2018) and on maturity (31 August 2021)
    • Minimum investment & operating balance: £100
    • Maximum investment: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: withdrawals/transfers of your capital investment prior to maturity (31 August 2021) are permitted, although they will be subject to 300 days' loss of interest or an equivalent amount on the amount withdrawn/transferred.
    • Rates: fixed for a four year period
    • Further deposits: not permitted in future tax years

    This account is limited issue. Once the account is open, for the 2017/18 tax year you can transfer in previous ISA investments (including 2017/18 ISA funds deposited with another institution), provided these are not from an Innovative Finance ISA or deposit new 2017/18 funds up to and including 31 August 2017. After this date the account may be closed for further deposits at any time and without notice.

    Full details
  • 5 Year Fixed Rate ISA (Issue 64)

    Interest rate:

    1.60% Tax-free§ p.a./AER (fixed)

    • Interest paid: annually on 31 August (commencing 31 August 2018) and on maturity (31 August 2022).
    • Minimum investment & operating balance: £100.
    • Maximum investment: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: Withdrawals/transfers of your capital investment prior to maturity (31 August 2022) are permitted, although they will be subject to 365 days' loss of interest or an equivalent amount on the amount withdrawn/transferred.
    • Rates: fixed for a five year period.
    • Further deposits: not permitted in future tax years.

    This account is limited issue. Once the account is open, for the 2017/18 tax year you can transfer in previous ISA investments (including 2017/18 ISA funds deposited with another institution) provided these are not from an Innovative Finance ISA, or you can deposit new 2017/18 funds up to and including 31 August 2017. After this date, the account may be closed for further deposits at any time and without notice.

    Full details
  • Access ISA (Issue 2)

    0.50% Tax-free§ p.a./AER† (variable)

    • Interest paid: annually on 30 Sep (commencing 30 Sep 2017)
    • Minimum operating balance: £1
    • Maximum balance: The maximum you can invest in the 2017/18 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative Finance ISA and/or Lifetime ISA in the same tax year).
    • Withdrawals: unlimited withdrawals can be made without notice or loss of interest

    The account may be closed for further investment upon a minimum of 30 days' written notice.

    Full details
  • Rainy Day ISA (Issue 3)

    For balances between £10,000 and £24,999.99:

    0.80% Tax-free§ p.a./AER(variable)

    For balances between £25,000 and £49,999.99:

    0.85% Tax-free§ p.a./AER(variable)

    For balances between £50,000 and £250,000:

    0.90% Tax-free§ p.a./AER(variable)

    The maximum balance is £250,000 including 2017/2018 ISA funds, previous year ISA funds and accrued interest. If the balance exceeds £250,000 including accrued interest the interest rate that shall apply to the whole balance will be 0.40% Tax-free§p.a/AER (variable).

    The maximum you can invest for the 2017/2018 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA and/or an Innovative ISA and/or Lifetime ISA in the same tax year).

    • Interest paid: annually 30 Nov (commencing 30 Nov 2017)
    • Minimum operating balance: £10,000
    • Maximum balance: £250,000

    The account may be closed for further investment upon a minimum of 30 days written notice after which you will not be able to invest further funds. The maximum for 2017/2018 tax year deposits is £20,000 and the maximum account balance is £250,000 including accrued interest

    Full details